My411.com - Privacy Policy

Effective Date: 7/18/2017

Thank you for visiting My411.com (hereinafter "My411" or "the Site") and reviewing our Privacy Policy, effective 7/18/2017. The Site is committed to safeguarding your privacy online. Please read the following Privacy Policy to understand how your information will be treated as you make full use of our many offerings.

OVERVIEW

This Privacy Policy (hereinafter "Policy") governs your use of the Site. This Policy describes the information that we collect from you and what may happen to that information. For example, this Policy is intended to let you know about information we collect from you; what cookies are and how they may be used; how your information is often used; who is collecting your information; with whom your information may be shared; what options are available to you regarding collection, use, and distribution of your information; how you may use other users' information; the types of security precautions in place to protect against loss, misuse, or alteration of your information; and other important information about your online privacy.

Please note that we review our privacy practices from time to time, and that our practices are subject to change. We ask that you bookmark and periodically review this page to ensure continuing familiarity with the most current version of our Policy. All amended terms shall be automatically effective after they are posted on the Site and applied retroactively if you use the Site after this Policy is amended.

By using or accessing the Site, you agree to be bound by the terms and conditions of this Policy. If you do not agree with the terms of this Policy, please do not use or access the Site.

WHAT INFORMATION DOES THE SITE COLLECT?

A primary purpose of collecting information from you is to provide you with a safe, smooth, effective, and personalized experience. We will only collect information about you that we consider necessary.

Our servers log the standard non-personally identifiable information that accompanies Internet transmissions, like the date and time of a visit, browser type, IP address, and type of device. My411 also collects a visitor's state and zip code to provide more personalized marketing offers. My411 may store cookies on a visitor's device in order to manage a visitor's session on the Site. You may opt-out of receiving cookies by adjusting your web-browser settings to reject cookies. If you reject cookies, you may not be able to fully utilize the Site. A detailed summary of cookies can be found below. By using or accessing the Site, you agree that My411 may collect your information as outlined above.

WHAT ARE "COOKIES" AND HOW DOES THE SITE USE THEM?

"Cookies" (including without limitation "confirmation pixels" for crediting affiliate marketers and/or for other purposes) are small files used to store, and sometimes track, information about you. They are sent to your browser from a webserver and placed on your device's hard drive to assist us in providing our services. Generally, cookies help provide personalized services and promote trust and safety. The Site may require that you accept cookies. Our cookies are only read by the server that placed them, are unable to execute any code or virus, and do not permit us to determine the identity of, or gather any other personally-identifiable information about a specific user.

More specifically, we may use cookies to: (1) Remind us of who you are when you visit the Site to deliver a more personalized experience; (2) Measure your visiting patterns in the aggregate. Aggregate data (data gathered across all users) may be gathered in a non-personally identifiable manner to develop higher quality online services by performing statistical analyses of the collective characteristics and behavior of our visitors (such as how long and how often users view certain pages); (3) Determine your clickstream to the Site; (4) Better personalize the content that users will see on the Site; (5) Collect IP addresses for system administration; (6) Automatically share some information with Google Analytics and/or other analytics programs to analyze a broad range of information. However, the analytics are exclusively for internal use to better manage the Site experience for our visitors and evaluate advertising strategies and tactics; and (7) Other purposes to assist us in delivering the highest quality service possible. You are always free to decline our cookies if your browser permits.

HOW DOES THE SITE USE MY INFORMATION?

The Site uses your information to provide you access to our services. We may also use your information to resolve disputes, troubleshoot problems, respond to your inquiries, detect and protect against error, fraud, or other criminal activity, enforce our Terms of Use, and for any other purposes that we deem appropriate.

WHO IS COLLECTING INFORMATION?

When you visit the Site you are sharing information (outlined above) with My411. You acknowledge that data can be collected, maintained by, or transferred to a company, or other entity, including, but not limited to, lenders, within the sole judgment of My411. You also acknowledge and agree that the data can be combined and/or refined and/or used in any other manner with data from any of the websites owned and/or operated, in whole or in part, by My411.

Please be advised that My411 advertisers or websites that have links on the Site may collect personally-identifiable information about you. The privacy practices of those advertisers or websites linked to the Site are not covered by this Policy.

WITH WHOM DOES THE SITE SHARE MY INFORMATION?

The Site will not disclose your information except as described below:

Some of our employees and contractors are subject to non-disclosure agreements with us. These and other legal restrictions may prohibit their use of your information for any purpose except to facilitate the specific Site-related operation, unless you explicitly agreed or gave your prior permission to them for additional uses.

If you complete a transaction with an advertiser linked to the Site, the information obtained during your visit to that advertiser's website, and the information you give, may be provided to the advertiser. Advertisers linked to the Site have separate privacy practices for which My411 has no responsibility or liability.

We may disclose information where we have reason to believe that disclosing the information is necessary to identify, contact, or bring legal action against someone who (i) may be violating My411's policies as specified in this Policy or relevant Terms of Use, (ii) may be violating state or federal law, or (iii) may be causing injury to or interference with (either intentionally or unintentionally) My411's rights or property, other users of the Site, or anyone else that could be harmed by such activities. My411 may disclose or access information when we believe that the law requires it and for administrative and other purposes that we deem necessary to maintain and improve our services.

We cannot ensure that all your information or communications will never be disclosed in ways not otherwise described in this Policy. For example, we may be forced to disclose information to the government or third parties under certain circumstances, third parties may unlawfully intercept or access transmissions of information or communications, or other users may abuse or misuse information that they unlawfully collect from the Site. We will try to protect your privacy; however, we do not promise, and you should not expect, that your information or communications will always remain private.

WHAT ARE MY CHOICES REGARDING COLLECTION, USE, AND DISTRIBUTION OF MY INFORMATION?

We may contact you (i) if you use the services provided by the Site or if you contact us directly by mail or email, (ii) regarding any problems or for website misuse, (iii) regarding our services, such as new Website features or other updates, (iv) about "special offers" from our partners, and (v) to provide advanced notice with regard to FACTA provisions. Simply unsubscribe if you do not wish to receive optional communications.

HOW MAY I USE OTHER USERS' INFORMATION?

Recognizing the global nature of the Internet, you agree to comply with all applicable local laws and regulations regarding online conduct and privacy, as well as content. Specifically, but not as a limitation, you agree to comply with all applicable laws regarding transmission of technical and personal data exported from the United States or the country in which you reside.

We do not tolerate spam. You are not licensed to add us to your mail (whether email or physical mail) list. Additionally, you are not licensed to add any user to your mail (whether email or physical mail) list without his or her affirmative consent. You are not licensed to use spam in promoting the Site.

WHAT SECURITY PRECAUTIONS ARE IN PLACE TO PROTECT THE LOSS, MISUSE, OR ALTERATION OF MY INFORMATION?

Whenever the Site handles your information, we take steps to ensure that the information is treated securely and in accordance with this Policy. Your information is stored on our servers located in the United States. We use reasonable procedural and mechanical safeguards to protect your information against loss or theft as well as unauthorized access and disclosure to protect your privacy, including encryption. Please note, however, that no method of data transmission over the Internet or method of electronic storage is 100% secure. We cannot, therefore, warrant or ensure the security of any information collected or from the services offered, and visiting the Site is done so at your own risk. Once we collect user information, we make our reasonable best effort to ensure its security on our systems.

If you choose to share your information (whether personally or non-personally identifiable) with any third parties, you are responsible for all actions taken with said information and therefore should review each third-party's privacy policy.

ADDITIONAL INFORMATION

This Policy and the relevant Terms of Use are the sole authorized statements of My411's practices with respect to the online collection of information and the usage of such information. Any summaries of this Policy generated by third-party software or otherwise shall have no legal effect, are in no way binding upon My411, shall not be relied upon in substitute for this Policy, and neither supersede nor modify this Policy.

My411 reserves the right to transfer any and all information that we collect from visitors, or that we otherwise collect concerning or in connection with the Site, to a third-party in the event of a sale or other transfer of assets or of any portion of our business. Ultimately, you are solely responsible for maintaining the secrecy of your information. Please be careful and responsible.

CHILDREN'S ONLINE PRIVACY PROTECTION ACT COMPLIANCE

This website is not intended for use by individuals under the age of 18. We are in compliance with the requirements of the Children's Online Privacy Protection Act (COPPA) and we do not knowingly collect any information from anyone under 13 years of age. Our website, products and services are directed to people who are at least 18 years of age and older. When notified of a user who is not over the age of 18, our website will take immediate remedial measures to remove that individual from our user database.

PUSH NOTIFICATIONS

With your consent, we may send push notifications or alerts to your web browser or your mobile device. These notifications may include marketing messages from us or from third-parties. You can deactivate these messages at any time by changing the notification settings on your mobile device or browser.